This is a specific fic. I remember that Jensen was a younger girl named Jenny, and she had an older brother that she lived with. His name MAY have been Zach. Jared and a couple of other RPF guys were looking for him because I think he might have owed money to them. One of the guys may have been named Chris? I don't recall exactly. I don't think all of them were from the cast of SPN anyway.

I don't remember if it ever says that Jared is a loan shark or even a drug dealer, but I know he's part of something shady because he insists on coming in while Jenny's brother is away and waiting for him with his men in the house. Jenny is definitely intimidated by him and he gets a kick out of that. She has a little sister too, I think, that she's afraid that Jared and his guys will hurt if her brother doesn't give them what they want. I also remember he blackmails her into following him to a cabin where they later have sex.

I've been looking for this fic everywhere but my Google fu only seems to turn up slash. xD